Side-by-side · Q2 2026 data
First State Community Bank vs Heritage Bank of the Ozarks
Metric by metric
| Measure | First State Community Bank | Heritage Bank of the Ozarks |
|---|---|---|
| TellerScore | 73 (stronger) | 45 |
| Capital cushion | 67 (stronger) | 46 |
| Loan quality | 64 (stronger) | 9 |
| Earnings | 93 (stronger) | 67 |
| Funding & liquidity | 61 | 65 (stronger) |
| Problem-loan coverage | 87 (stronger) | 55 |
| Peer percentile | 70th | 4th |
| Total assets | $4.5B | $424.0M |
| Deposits / shares | $3.8B | $376.9M |
| Capital ratio | 11.68% (stronger) | 9.64% |
| Problem loans | 1.07% (stronger) | 2.74% |
| Net charge-offs | 0.12% | 0.01% (stronger) |
| Return on assets | 1.82% (stronger) | 1.18% |
| Loans ÷ deposits | 90.4% | 86.1% (stronger) |
| Uninsured deposits | 23.0% (stronger) | 23.3% |
| Offices | 48 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.4% | — |
First State Community Bank has the higher TellerScore (73 vs 45). On the 7 directional measures above (where higher or lower is clearly better), First State Community Bank leads on 5 and Heritage Bank of the Ozarks on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.